Unlock More Equity with a Cross-Collateral Loan

Unlock More Equity with a Cross-Collateral Loan | Typically without an appraisal

A Valor Cross-Collateral Loan could be the solution you didn’t know you needed.

If you own multiple properties with untapped equity, this financing option allows you to use that equity across assets—helping you secure funding faster and more efficiently. Even better, these loans can often be done without an appraisal, saving you time and hassle.

What Is a Cross-Collateral Loan?

A cross-collateral loan lets you combine the equity from multiple properties to qualify for a single loan. This is ideal for:

• Real estate investors scaling their portfolio
• Borrowers who want to avoid selling assets
• Clients needing quick access to capital

Why Choose Valor Lending Group?

At Valor Lending Group, we don’t just offer loans—we structure strategic solutions tailored to your goals. Our team is known for:

• Clear, consistent communication
• Creative financing strategies
• Fast, streamlined closings

We work behind the scenes to position your loan for the best possible outcome—so you can focus on growing your investments.

Now Serving Florida

We’re excited to announce that Valor Lending Group is now licensed in California, Arizona, and Florida. Expanding into the Sunshine State allows us to bring our full suite of loan programs to even more investors and homeowners.

Whether you’re building your portfolio or unlocking equity, we’re ready to help you take the next step.

We are ready for your CALL or EMAIL TODAY!

Bridge loans are available for numerous types of property such as:

• Residential
• Owner occupied or investment (non owner occupied)
• Single-family, multi-family, apartment buildings
• Commercial
• Industrial

Valor Cross-Collateral Loan:

Do you have a portfolio with properties that have available equity?

• Leverage for 100% financing when crossing other real estate owned at 65% CLTV for 100% financing
• Terms of 1-2 years
• Max CLTV of 65%
• No prepayment penalty
• Interest only starting in the mid 8’s

No appraisal subject to lender discretion on a case by case basis

Needs List for Quote (Email Laura the following):

1. Property Address:
2. Purchase Price (for Purchase):
3. Property “as is” Value:
4. Current Balance (for Refinance):
5. Total Monthly Rents (confirm if long term or short term Airbnb leases):
6. Monthly Taxes and Insurance:
7. Approx. Credit Score:
8. Vesting in and Entity or Individual name:

Other Programs Available

• Hard Money Loans
• Fix and Flip Loans
• Commercial Loans
• Save your Deal | We Save Deals

Recently Funded | Valor Lending Group

$1,044,550 Loan amount | Hard Money Bridge Loan | Purchase | 65% LTV | Murrieta, CA
$1,900,000 Loan amount | Full Doc Jumbo Loan | Cash Out Refi | 31% LTV | Mirage, CA
$1,430,000 Loan amount | 24 Month Bank Statement Loan | Purchase | 65% LTV | Phoenix, AZ
$2,625,000 Loan amount | Ground up Construction Loan | Purchase | 65% LTV | Malibu, CA
$1,905,000 Loan amount | Fix and Flip Loan | Purchase | 90/100 LTV | Palos Verde, CA
$2,645,000 Loan amount | Ground up Spec Construction Loan | Purchase | 65% LTV | Palm Springs, CA
$712,500 Loan amount | DSCR Loan | Cash Out Refi | 75%LTV | 70% LTV 
$4,013,750 Loan amount | Full Doc Jumbo Loan | Rate& Term Refi | 75% LTV | Newport Beach, CA
$592,500 Loan amount | DSCR Loan | Purchase | 75% LTV | Seattle, WA
$1,950,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | 70% LTV | Berkeley, CA
$3,100,000 Loan amount | 12 Month Bank Statement Loan | Purchase | 43% LTV | Coronado, CA
$1,790,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | Berkeley, CA
$1,008,000 Loan amount | Full Doc Jumbo Loan | Purchase| 80% LTV | Anaheim, CA
$1,740,000 Loan amount | Hard Money 2nd Position Bridge Loan | Cash Out Refi | 61% CLTV | Berkeley, CA
$4,775,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | 62% LTV
$505,000 Loan amount | Full Doc FNMA Loan | Purchase | 85% LTV | Ventura, CA
$2,100,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | 51% LTV | S. Carolina

And many more.

We do them all, so give me a call!

Recap of our Loan Products:

1. Hard Money Loans (20% down / minimal documentation) Typically Fund in 7-10 days.
2. Stated Income Loans (Great for business owners and self employed ) No tax returns!
3. 100% financing is available (we can cross collateralize other properties if there is enough equity)
4. Valor VA Home Loan 100% financing up to $1.5MM
5. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow
6. Flipper & Rehab Loans (Flip a property with one of our many options)
7. 2nd Position Loans up to $5mm
8. Raw Land & Lot Loans
9. Ground up Construction for spec homes, custom homes and commercial ground up.
10. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
11. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
12. Acreage Properties
13. Commercial Loans up to $500mm
14. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
15. Foreign Nationals Loans (no social security or residency required)

We are never too busy for your referrals.

Did we miss anything?

• Call or Email me (Laura Licea) if there is any information that we have missed
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• Do not hesitate to give us your feedback
• Ask us for a quote
• Visit our homepage to check out what Valor Lending Group has to offer